LevelUp : les stratégies des solopreneurs à succès
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Harvard i-lab | Entrepreneurial Ventures in Silicon Valley
The Harvard Innovation Lab led a student trip to Silicon Valley in January 2012. This field-based program provided an opportunity for students to immerse themselves in the entrepreneurial environment of Silicon Valley, with a focus on the consumer internet sector. 36 students from across Harvard participated, with faculty from HBS and SEAS leading the trip.
Uploaded 15-02-12
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Today · 5 min
AA
Afford Anything | Get Smarter With Money
Q&A: I’m the Executor of Dad’s $500K Portfolio. Should I Cash It Out?
A bond fund that lost 38% feels like proof you should have bought individual bonds instead. But individual bonds would have lost value too; you just wouldn’t get a statement telling you so.
Former financial planner Joe Saul-Sehy joins Paula to answer three listener calls. The first comes from an executor deciding whether to move his late father’s $500,000 brokerage account to cash during probate (the court process of settling an estate). The second is from an investor whose bond fund lost 38% in six years, and the third is from a 401(k) plan manager of 23 years who pushes back on Joe’s take on target-date funds.
In this episode, we discuss:
How an executor can protect an estate’s value without market timing
Why splitting the money 50/50 between stocks and cash can work, if every heir agrees
Why individual bonds lose value when rates spike too, even when no statement shows it
How a bond advertising 6% can still lose you money if you overpay for it
When a bond fund makes more sense than individual bonds, and vice versa
Why short-term bonds can drag down a long-term portfolio
Whether target-date funds are a smart default or a first step to outgrow
If you’re settling a parent’s estate, second-guessing your bonds, or wondering whether your 401(k) default is good enough, this episode gives you a way to weigh the tradeoffs instead of reaching for a one-size-fits-all rule.
⏱️ TIMESTAMPS
Note: Timestamps may vary slightly depending on dynamic ad placements.
(00:00) Why disability insurance costs so much
(09:10) An executor’s $500K dilemma: stay invested or cash out?
(11:41) Why Joe would move the estate to cash
(15:13) The 50/50 split both hosts can live with
(24:56) Her bond fund lost 38%. Now what?
(27:33) Why individual bonds wouldn’t have dodged the loss
(32:48) How a “6%” bond can still lose money
(35:20) Why Paula bought her first bonds at 5.2%
(53:54) A 401(k) plan manager defends target-date funds
(1:05:40) Why so many people ignore their own money
🔗 RESOURCES MENTIONED
OUTGROWING YOUR TARGET-DATE FUND? HERE’S WHICH ACCOUNT EACH NEW FUND BELONGS IN 👉 https://affordanything.com/assetlocation
Free executor checklist from Stacking Benjamins 👉 https://stackingbenjamins.com/estate
Buy Treasury bonds directly from the government 👉 https://www.treasurydirect.gov
Share your worst investment mistake for a future episode 👉 https://affordanything.com/voicemail
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Today · 1 hr 10 min
BZ
Buduj značku
Lukáš Křenek: jaké hlavní ekonomické i tržní faktory určují reálnou cenu činžovního domu?
✔️Nabídka, poptávka, úrokové sazby, ale i lidský faktor a férový přístup majitele ovlivňují finální hodnotu nemovitosti.
✔️Jak funguje efekt zakotvení a proč bývají očekávání prodávajících někdy až o 100 % vyšší než realita?
✔️Smlouvy na dobu neurčitou snižují hodnotu bytového domu. Jakým způsobem revize smluv dokáže zvednout cenu o desítky milionů a co znamená „zpoplatnění vzduchu“ díky možnosti výstavby dle metropolitního plánu?
✔️Jaké výhody přináší investice do činžovních domů v regionech mimo Prahu?
Lukáš Křenek je vedoucí oddělení investic do komerčních a rezidenčních nemovitostí v realitní kanceláři Engel & Völkers v Praze. Na realitním trhu působí přes 10 let a zaměřuje se na investiční nemovitosti, dlouhodobé strategie a řízení hodnoty portfolia u transakcí v řádech desítek až stovek milionů korun. Pracuje s majiteli i investory a pomáhá jim odkrývat reálnou hodnotu i skrytý potenciál činžovních a komerčních domů.
